HDFC Bank
HDFC Bank Infinia Credit Card
4.9 / 5visa
- Joining fee
- ₹12,500
- Annual fee
- ₹12,500
- Base reward
- 3.3%
- Min income
- —
- Forex markup
- 2%
- Interest p.a.
- 23.88%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 33% | Uncapped |
| Online shopping | 33% | Uncapped |
| Everything else | 3.3% | Uncapped |
Benefits
- ▸Unlimited complimentary domestic and international lounge access via Priority Pass (primary + add-on)
- ▸Complimentary Club Marriott membership (1 year)
- ▸Global Personal Concierge 24x7
- ▸SmartBuy up to 10X Reward Points on travel and shopping
- ▸Comprehensive travel and accident insurance cover
- ▸3 RP redeem value of ₹1 for products/cashback; ₹1 for flights/hotels via SmartBuy
- ▸Low 2% foreign currency markup
The good
- + One of the best reward rates in India (3.3% base, up to ~33% via SmartBuy)
- + Unlimited domestic and international lounge access via Priority Pass
- + Low 2% foreign currency markup
- + Premium concierge, Club Marriott and travel insurance benefits
The catch
- − Invite-only — not openly available
- − High ₹12,500 joining/annual fee
- − ₹10 lakh annual spend needed for fee waiver
- − Ongoing programme eligibility now tied to high spend/relationship value (from Apr 2026)